Estimates, not quotes

Honda Civic Insurance Cost in Oregon

Insuring a Honda Civic in Oregon costs about $1,620 a year ($135/month) for full coverage by our estimate — −9% versus the same car nationally — the 21st most expensive of 51 states for this model.

Honda Civic (photo from Wikimedia Commons)
Photo: M 93, CC BY-SA 3.0 de
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Honda Civic insurance in Oregon at a glance

Full coverage
$1,620
$1,330–$1,910
25/50/20 minimum
$745
$62/mo
Same car nationally
$1,790
full coverage
Avg. car in OR
$1,425
+14% for the Civic

The Honda Civic is 14% more expensive than the average vehicle to insure in Oregon, reflecting HLDI collision losses of 121 and comprehensive losses of 88 (100 = average). Oregon's own base rates are 9% lower than the national average, which carries through to every model.

Oregon factors that affect Civic premiums

  • Uninsured drivers: 14.7% of Oregon drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Civic.
  • Theft: 215 vehicle thefts per 100,000 residents (U.S. 197); the Civic is #5 on the national most-stolen list.
  • Weather: FEMA rates Oregon's expected annual losses as very low for hail, relatively low for tornado, not rated for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.44 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort), with required personal injury protection.

Car insurance rules and costs in Oregon →

Honda Civic insurance cost in Oregon cities

CityFull coverageMinimumvs. state
Portland$1,840$845+14%
Salem$1,785$820+10%
Eugene$1,730$795+7%
Gresham$1,870$860+15%
Hillsboro$1,805$830+11%
Bend$1,670$770+3%
Beaverton$1,845$850+14%
Medford$1,670$770+3%

Honda Civic insurance in Oregon by driver

Estimated annual Honda Civic premium in Oregon
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $2,050 $2,975 $4,455 $371
Young adult (22) $1,195 $1,730 $2,590 $216
Adult in their 30s $745 $1,080 $1,620 $135
Adult in their 50s $685 $995 $1,490 $124
Senior (72) $835 $1,210 $1,815 $151
30s, one at-fault accident $1,080 $1,570 $2,350 $196
30s, DUI on record $1,380 $2,000 $2,995 $250

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $745 $62 $610–$880
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,080 $90 $885–$1,275
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,620 $135 $1,330–$1,910

Oregon minimum: 25/50/20 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Oregon

ModelFull coverage in ORvs. Civic
Toyota Corolla$1,550−4%
Kia Forte$1,875+16%
Toyota Prius$1,410−13%
Hyundai Elantra$1,735+7%

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Honda Civic insurance cost in every state · All Honda models

Frequently asked questions

How much is Honda Civic insurance in Oregon?

About $1,620 a year ($135 a month) for full coverage and $745 for Oregon's minimum liability, for a driver in their 30s with a clean record. That is 9% less than the national estimate for the same car.

Is the Honda Civic cheaper to insure than the average car in Oregon?

The average vehicle in Oregon is about $1,425 a year for full coverage in our model, so the Honda Civic is 14% more expensive than average.

Where in Oregon is Honda Civic insurance cheapest?

Among the largest Oregon cities, Bend has the lowest estimate (about $1,670) and Gresham the highest (about $1,870).

What insurance do I need for a Honda Civic in Oregon?

Oregon requires at least 25/50/20 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page